A Note From A Reader on Preparedness

Chris,

You touch on an often overlooked but critical topic.  We spend considerable time and money acquiring the gear and skills we might need  to be prepared for a variety of potential disasters/disruptions either natural or man-made, but often overlook preparation for sudden/unexpected debilitating medical problems, or worse unexpected death from any number of possible causes.
This strikes a nerve with me because my dad died suddenly and quite unexpectedly at the age of 43 from a massive heart attack.  I was 17 years old at the time. If anyone thinks this does not turn your world upside down, I would beg to differ.  Now, I am a CPA/MBA, and have some knowledge about what people go through when they find themselves in this kind of situation, and some experience in what can be done to minimize the chaos and confusion.  These are always very stressful, emotional situations, and it can be VERY difficult to keep things held together and keep everything from going to hell in a handbasket.  Trust me.  I know.
The best way I know to prepare for this type of event:
1.  Collect ALL important documents into one place.  Birth Certificates, Marriage License, Titles and/or deeds to Vehicles/Home/Properties/Boats, etc.  ALL Insurance policies…life, health, disability, homeowners, auto, boat, medevac, umbrella liability,long-term care etc., wills, living wills, military service records, professional licenses, and any other documents you consider important or critical.  Include copies of your most recent 2 years of tax returns.  Also include the articles of incorporation and bylaws/operating agreement for any closely held businesses you own or in which you have ownership interest as a partner, member, director (Sole propietorship, partnership, LLC, Sub S corporation, etc),
2.  Make copies of all above documents.  Place originals in lockbox and keep copies at home for reference…or vice versa, depending on your opinion on this matter.  Some people prefer to have the original copies in their personal possession.  Some documents may warrant having certified copies made or requesting certified copies from the issuers..  Again, this is a personal decision.  This collection would be one of the critical items you would grab in a bug-out situation anyway, so having it all together is a good idea for lots of reasons.  Obviously you would want to store these in-home in some kind of secure, fireproof portable box that would be hard for a burglar/looter to find, but easy for you to grab and go at a moment’s notice.   Fireproof file boxes are available that suit this purpose well.  And obviously, since these things lock, be sure somebody besides just you knows the combination or how to locate the combination or key.
3. Make a list of every debt you owe, the balance as of some specific date in time, the minimum payment, payment due date, account number, and website/username/password to the account if applicable.  Likewise with all checking/savings/investment/brokerage./401k/IRA/HSA accounts.
This enables your appointed administrator/trustee to see at a glance the location of all your financial assets and liabilities, and the mechanism by which to access them should the need arise. Original debt instruments would not be a bad idea to add to the list of important documents, especially real estate mortgages, auto loans, and other collateralized debt instruments that create liens against any of your properties or assets.
4.  Make a list of all the vendors you deal with, and again, any relevant account information and internet access information if applicable.  This would include utilities, security system,pest control, newspapers, insurance premiums,and any other ongoing/regular vendors you deal with or are contracted with for ongoing services that result in monthly or quarterly bills to be paid.
Be sure to note any accounts (vendor or creditor accounts) that you have set up to automatically debit your checking account or charge to a credit card account each billing cycle.  This will alert your administrator to keep adequate funds in place to cover these automatic transactions.  Also note any accounts that are set up for electronic statement delivery.  It seems that every company is pushing us to “go paperless” and stop receiving paper statements.  This will alert your administrator to keep an eye on your email for statement notifications.
5.  Keep the document inventory updated…adding information for new accounts as they are created and removing documents for accounts that are closed and for which you will have no further potential use.
With the above items located and placed in an organized manner, it should be possible for your designated trustee or administrator (whether your spouse, family member, attorney, or bank trustee) to pick up and administer your affairs in a thorough and reasonable manner should you be incapable of doing so for yourself for any reason.
I hope you an others find this helpful.I’ve tried to hit the most important issues in a short amount of space, so I’m sure there are some details I’ve overlooked.

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Leave A Reply (36 comments so far)


  1. Peter Carminati
    3 years ago

    Retired military veterans, such as myself, no longer have their complete military records. In my case, all I have is a copy (lousy one) of my last discharge that qualified me to join the American Legion. So it is important to keep the Legion papers in order, particularly the current year membership ID card. The Legion has many programs that will kick in during a crisis so members are not abandoned “out there.”


  2. B. Moore
    3 years ago

    Get a trust drawn up and filed. Working on mine at present. Great information to add to bug out list
    as you said, often over looked. Thank you for an excellent reminder.
    Eyes & Ears open, b safe.
    b. Moore


  3. Jeff
    3 years ago

    I hope everyone will read and absorb what you have said here. This is without a doubt one of the most neglected aspect of most peoples lives. Most procrastinate on this because they don’t want to deal with death but no matter what the cause, be it old age, a sudden medical incident or by accident the fact is we must all face the inevitable. It is so much easier on those left behind when you take the time to get your house in order. Personally I have most of this information with my designated Durable Power of Attorney so that everything is in place when I pass from this world. You did help me think of a couple of things that I had overlooked. I’ll take care of those immediately. I learned the hard way about 36 years ago when my wife and children died in an automobile accident. Life can change in a moment. I would add also to make sure you have your funeral and internment arrangements made. Even for your children. No matter what your age, the age of your spouse or children it is terribly difficult to deal with all of that when your emotions are totally shot. Do it now so that you and your loved ones are not only prepared for things that might happen if you live but also what will happen when you die. None of us have any guarantee of our next breath.


  4. robert Lowe
    3 years ago

    nothing of any ever lasting redeeming value here, let’s move on folks


  5. Leo Pickett
    3 years ago

    Thank you this is outstanding information we usually take for granted and then it is too late. I will take heed and share with family and friends. Thanks again


  6. Jean Wells
    3 years ago

    Chris,

    Thanks for sharing this valuable information with us. It’s one of the most important things that’s fairly easy to do to protect yourself and your property. You might also suggest putting scanned copies of everything vital on a computer thumb drive. Very easy to carry with you, if needed. Medications are the hardest to plan for, especially since most doctors won’t give prescriptions for long-term use and the insurance companies won’t honor any prescriptions that are over one year in duration.
    Good luck to everyone. Be safe.
    Sincerely,
    Jean


  7. Gary Scallorn
    3 years ago

    All this sounds good if I had started doing this 3 yrs. ago!!!!!! And if I were a Doctor, Lawyer, making
    4-6 Hundred Thousand a year!!!!!!! But when you are scratching out a living & don’t have $50,000.00 cash in the bank. It’s a whole new Ball Game!!!!!!!!! Oh I forgot I’m also getting a
    Social Security Ck. that Obama may take ALL or PART of any day????? But all in all you have
    a good Idea there!!!!!! Maybe for the 1%????? But for 99% of us left over I don’t know?????

    Gary Scallorn, Nashville Tn.


  8. David
    3 years ago

    Awesome. Thank you for Laying it all out. I have thought about doing this before, then I gon distracted and never got around to it. This lays out most if not all items to look for. I am using it as a check list to get mine in order. Just one thing to add. Put digital copies of everything on the cloud or offsite somewhere (of course be sure it is password protected). I worked with people after Huricane Katrina, and one person had digital copies that he was able to access. Very helpful since his home was under water and all documents were gone.
    Again, Thank you.


  9. David Gregory
    3 years ago

    I am happy to report, Chris, that I am very close to 100% on all the above already, and I wish to tell your subscribers that it takes consistent work and diligence.

    Just an observation or two. Way back when I was in preparation for the ministry (which I did not follow, by the way, but rather have been an electrician all my life) we were advised to set up a filing system, and I did so. The problem, a big one in our paper society (increasingly going non-paper as you have advised) is to keep up with it.

    I have probably six to ten feet of linear space (separated into different filing cabinets) devoted to an alphabetical filing system, and am only now converting the entire system from manilla file folders to hanging files with the manilla folder inside. The hanging system retains its vertical shape permanently while the manilla file folders have an inclination to sag and eventually fall down especially if the drawer is not full.

    Anyway, just thoughts.


  10. Barry Osler
    3 years ago

    great article, very informative thanks


  11. Chris
    3 years ago

    Outstanding advice, especially to be prepared during such a pressure situation that almost everyone goes through at some point in their lives. Thanks for the “heads up”. Wise and valuable information.


  12. jack griswold
    3 years ago

    thank you for the info.


  13. Ellenmills
    3 years ago

    As an employee of an independent community bank, I can also add to the above list after a crisis type event or disruption, that the best way to deal with financial creditors when you find yourself in one of these situations is to contact your creditor immediately, let them know you are in crisis and when you think you will be able to resume payments. Keep the communication lines open if you desire the company to work with you.


  14. Richard Stewart
    3 years ago

    I agree with most of this but i do not agree with “go paperless,” and here is why. Emails can be perverted by those capable of intercepting them. Paperwork especially originals should be kept in a fireproof Safe. I went paperless and was forced to prove a situation and discovered that emails were intercepted and changed. I lost hundreds of thousands of dollars because I was led to believe the paperless method was working for me. When I finally had physical tangible proof of what I was saying, a judgement was levied against me, that was impossible to bounce back from.

    If a person wants his of her will to be made known, have all documents, in order, lawyers made known, banking made known, and a conservator made known in advance. My parents have pre planned caskets, grave sites, lawyers and banking known to me and my siblings. We do not know the specifics but we have a list of people we would need to call and make arrangements with.


  15. John Walkusch
    3 years ago

    Good Info!


  16. Leslie Lowenstein
    3 years ago

    Excellent list, but one thing appears to be missing – Passwords. And, if you use a password manager, which really makes things easier, the master password is all you need.


  17. Richard Sharp
    3 years ago

    Thanks, this is very helpful, I’ll send this to all my email list.

    Richard.


  18. william edwards
    3 years ago

    You are quite right in what you have passed along. My Brother in-law just passed and my sister is having one hell of time trying to piece it all together, however, she has done very well. If these things had been properly put in place before his death, I truly believe that it would make it so much easier for those that are left behind.


  19. Brandy
    3 years ago

    Thank you, that is very good info to have. I’m going to get on it right now!!


  20. Richard Van Sant
    3 years ago

    I had done what you suggested but now realized I haven’t kept it current. At least once a year I suggest reviewing everything and updating it if necessary.


  21. Al
    3 years ago

    A great resource. Thanks.


  22. Dora
    3 years ago

    My husband (84) and I (80) are in the process of putting together exactly what you mention in this well detailed letter. Thank you for making it available to all of us. In our case, it is a tremendous help!


  23. Sun Rose
    3 years ago

    It is very helpful. Thank You for taking the time to share it.


  24. Dick McLean
    3 years ago

    Good information. The writer is correct about getting such information together in one place. Another thought – My father had put all of his worldly possessions in living trusts. It was a fairly simple matter to close his estate when the time came. Lawyers don’t like this, since it takes away from what they can charge for estate settlement, but it is legal and easy. One does also need to have a final will, because there may be things that are not covered by trusts, but the trusts should cover all the major items. Also, be sure to close any credit or debit cards in the deceased name, unless there is someone else’s name on the card.
    Thanks for the info.
    DHM


  25. janet ulakovic
    3 years ago

    Very useful information. i am looking forward to reading more of the same. Keep up the good work and save our freedom and privacy!! I am in my late 60s and fear that I am among the last generation to remember America as it used to be. Free, private, respected, and NOT politically correct. Tell it like it REALLY is! God bless.


  26. Bob Hanks
    3 years ago

    To the person who wrote the article:
    You are spot on! There is also a HIPAA document that needs to be notarized to allow a family member access to any medical information in the event of one’s hospitalization – due to doctor confidentiality and Obamacare… Also, keep a copy of all documents in a (.pdf) format on a flash drive (or 2 or 3), one in your bug out bag, and a hard copy in a water proof plastic ziplock bag.
    After your article, I plan to post some of these documents on my website in the future. I also recommend the use of “Irrevocable Trusts” (rather than “Revocable Trusts”) to prevent probate lawyers from taking the majority of one’s estate upon their death. I also have a “Love Letter” that lists all of the above documents in your wonderful note from yourself, and then some – all for someone you love to handle your affairs. I will make that available sometime in the near future. I want to thank you for your “Note” as it is a wake up call just after you need the information (and don’t have it available) when a close friend has a heart attack and is hospitalized, and you are the only one to sign him in and do not have any of his information with you at the emergency room… How embarrassing is that? Then you have to break-in to his apartment to go through all of his personal information just to find the name of his doctor! Medicare Number! Phone numbers of his relatives? and if he dies, his will or instructions to follow after his death???? Way too much is missing, unless each of us prepares ahead of time for that eventful meeting in the here after…
    Thanks for you care, concern and service for all of us…


  27. Barbara
    3 years ago

    This is very useful information.


  28. Bob Hanks
    3 years ago

    here is the HIPAA Form: [All you have to do is change the State and County and fill in blanks]:

    AUTHORIZATION TO RELEASE MEDICAL RECORDS & INFORMATION
    PURSUANT TO THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT

    I, ________________, the Principal whose signature appears below, hereby empower my physician(s) and any medical personnel holding records pertaining to my health and containing any information regarding medical treatments given or prescribed on my behalf in any regard, and also any Physician being asked to express a professional opinion as to my capacity to manage my own affairs, to release such information and any and all medical records pertaining to my past, present, or future physical or mental health or condition, and to express their professional opinion being sought, to the following named person(s)/entity(ies):
    __________________________________________________________________________________

    __________________________________________________________________________________

    __________________________________________________________________________________
    It is my intent by executing this document, to comply in all regards with the privacy legislation known commonly as the “Health Insurance Portability and Accountability Act” (HIPAA) of August 21, 1996, Public Law 104-191; 104th Congress, and to hold harmless from liability in any regard, my physician(s) and any medical personnel who release my medical records pursuant to this document or express professional opinions as to my capacity. This authorization and release shall be effective during my lifetime and shall continue during any period of disability or incapacity for the rest of my lifetime. This authorization and release shall be effective even though the person(s) requesting my medical inform-ation and records, and requesting the professional opinion as to my capacity, are the persons who will assume responsibility for the care and management of my person as well as of my assets in the event of my incapacity. I again agree to hold harmless from liability in any regard any person who releases information of any type, or who expresses a professional opinion regarding my past, present, or future physical or mental health or condition, to the persons named above, including a Physician who signs any document certifying my incapacity and inability to manage my own affairs. I do hereby waive any Patient Confidentiality rights which are mine in regards to any of my medical records, and instruct my Physician(s) and others having custody of such records to cooperate fully with the persons named herein to disclose to the person(s) named above, any and all information which they may reasonably request, when my Physician(s) in their sole and unrestricted discretion, determine the persons requesting information are acting in furtherance of my best interests, care, custody and well-being.

    DATED this ____ day of ____________________, 2_______.

    _______________________________________________________________________
    [Sign Name here]

    [Print Name here]: __________________________________________

    _______________________________________________________________________
    WITNESS [not related by blood or marriage, and not the Agent named above] Witness

    [Print Name here]: __________________________________________

    STATE OF ARIZONA ) ss:
    County of Maricopa )

    SIGNED IN MY PRESENCE this ___ day of ____________________, 2____ by _________________________,
    the Principal, and by ________________________________, the Witness, whose signatures appear above, each for the purposes stated, being authorized to so act, and each of their own free will.

    ______________________________________
    NOTARY PUBLIC
    ______________________________________
    My Commission Expires:


  29. Ramona M.
    3 years ago

    Thanks for making a succinct list!


  30. Jan Pope
    3 years ago

    I agree. We need to be prepared. Whether we are hard hit with missiles from the North or the Ring of Fire wakes up suddenly, or if volcanoes suddenly start spewing. We need to be prepared. I know the Lord will protect us, but are we really listening to Him?


  31. Voni P.
    3 years ago

    THANK YOU!
    I’m going to print this out for easy review, put it in a file on my computer, and sending it out to my children and some friends.
    This is one of the most practical set of instructions I’ve seen…
    I’ve had enough things happen in my life to knw the validity of this article.

    Best wishes!
    Voni Pottle


  32. Bob Hanks
    3 years ago

    Hello:
    I create “Irrevocable Trusts” for individuals to protect their property from lawyers and the probate courts – – since probate is not required for estates under $50,000. Wills on the other hand are decided by the courts, and lawyers take their fees out of the estate. If another lawyer contests the probate, for any reason, the estate is not closed until all the lawyers are finished feeding at the pig pen, and not a scrap remains for the deceased’s heirs. Hope you can contact me through my website or through this post. Lawyers do not create “Irrevocable Trusts” they only make “Revocable” ones, that are not effective and are sometimes called “Living Trusts”. completely useless in protecting the estate from the wolves, sharks and lawyers.

    “99.999 percent of the Lawyers give the rest a bad name.”


  33. Bob Hanks
    3 years ago

    A Citizen’s Rule Book – Jury Handbook. This is quite long, but has all the important documents in it, including the bill of rights, the US Constitution, famous quotes, duties of the Juror. Enjoy.
    A CITIZEN’S RULE BOOK
    YOUR JURY HANDBOOK
    A Palladium of Liberty
    [Re-typed by Bob Hanks, 12/12/2005, Updated 04/15/2008]
    From an updated Original Printing by Whitten Printers (602) 258-6406
    1001 South 5th Street, Phoenix, AZ 85004
    Editorial Work By Webster Adams
    PAPER-HOUSE PUBLICATIONS

    [Note: By re-typing this document and proof reading it several times, I have gained a much needed understanding of the importance of each nuance within this great document.
    I have placed Notes in brackets within the original writing of some of the explanations —
    Notes in Brackets are by Bob Hanks]

    “…Where the Spirit of the Lord is, there is Liberty” II Corinthians 3:17
    Bill of Rights
    Jury Handbook
    The Fireworks are in the Document itself:
    READ THE CONSTITUTION!

    Lincoln said: “Study the Constitution!” “Let it be preached from the pulpit, proclaimed in legislatures, and enforced in courts of justice.” [Emphasis added]
    [ Unfortunately Judges are not doing their duty! ]
    [ Only YOU, acting with knowledge, as a member of a JURY can enforce the Constitution! ]

    Rights come from GOD, not the State!
    “You have rights antecedent to all earthly governments; rights that cannot be repealed or restrained by human laws; rights derived from the Great Legislator of the Universe.”
    — John Adams, Second President of the United States

    Table of Contents

    Section 1: A Handbook for Jurors
    Jury Duty!
    You are above the Law!
    Jury Rights
    Law of the Land
    Ten Commandments
    Communist Manifesto
    Give up Rights?
    Inalienable Natural Rights!
    Jury Tampering
    The Right of the JURY to be Told of Its Power
    Laws, Facts and Evidence!
    How does Tyranny begin? Why are there so many Laws?
    Your Vote Counts!

    Section 2: Give me Liberty or give me death…
    Patrick Henry Shocked
    Jury of Peers
    Freedom for William Penn
    Jefferson’s Warnings!

    Section 3: Original Documents
    Index to the Documents
    The Declaration of Independence
    (Original Title – Page 26)
    The Constitution
    The Bill of Rights

    ((((XXX((XX((X((XXX((X((((O))))X))XXX))X))XX))XXX))))

    A Handbook for Jurors

    Section 1: A Handbook for Jurors
    “… That this Nation, under GOD, shall have a new birth of freedom…” — Abraham Lincoln
    Jury Duty!
    The purpose of this booklet is to revive, as Jefferson put it: “The Ancient Principles.” It is not designed to promote lawlessness or a return to the jungle. The “Ancient Principles” refer to the Ten Commandments and the Common Law. The Common Law is, in simple terms, just plain common sense and has its roots in the Ten Commandments.
    In 1776 we came out of BONDAGE with Faith, Understanding and Courage. Even against great odds, and with much bloodshed, we battled our way to achieve Liberty. Liberty is that delicate area between the force of government and freedom of man. Liberty brings freedom of choice to work, to trade, to go and live wherever one wishes; it leads to abundance. Abundance, if made an end in itself, will result in complacency which leads to apathy. Apathy is the “let George do it” philosophy. This always brings Dependency. For a period of time, dependents are often not aware they are dependent. They delude themselves by thinking that they are still free – “We never had it so good.” – “We can still vote, can’t we? Eventually abundance diminishes and Dependency becomes known by its true nature: BONDAGE!!!
    There are few ways out of bondage. Bloodshed and war often result, but our founding fathers learned of a better way. Realizing that a CREATOR is always above and greater than that which He creates, they established a three vote system by which an informed citizenry can control those acting in the name of government. To be a good master you must always remember the true “pecking order” or “chain of command” in this nation:
    1. GOD created man … (and woman)
    2. Man (that’s you) created the Constitution…
    3. Constitution created government…
    4. Government created corporations… etc.
    The base of power was to remain in WE THE PEOPLE but unfortunately, it was lost to those leaders acting in the name of government, such as politicians, bureaucrats, judges, lawyers, etc.
    As a result America began to function like a democracy instead of a REPUBLIC. A democracy is dangerous because it is a one-vote system as opposed to a Republic, which is a three vote system: Three votes to check tyranny, not just one. American citizens have not been informed of their other two votes.
    Our first vote is at the polls on election day when we pick those who are to represent us in the seats of government. But what can be done if those elected officials just don’t perform as promised or expected? Well, the second two votes are the most effective means by which the common people of any nation on earth have ever had in controlling those appointed to serve them in government.
    The second vote comes when you serve on a Grand Jury. Before anyone can be brought to trial for a capital or infamous crime by those acting in the name of government, permission must be obtained from people serving on the Grand Jury! The Minneapolis Star and Tribune in March 27, 1987, edition noted a purpose of the Grand Jury this way: “A grand jury’s purpose is to protect the public from an overzealous prosecutor.”
    The third is the most powerful vote: this is when you are acting as a jury member during a courtroom trial. At this point, “the buck stops” with you! It is in this setting that each juror has more power than the President, all of Congress, and all of the judges combined! Congress can legislate (make law), the President or some other bureaucrat can make an order or issue regulations, and judges may instruct or make a decision, but no JUROR can ever be punished for voting “Not Guilty!” Any JUROR can, with impunity, choose to disregard the instructions of any judge or attorney in rendering his vote. If only one JUROR should vote “Not Guilty” for any reason, there is no conviction and no punishment at the end of the trail. Thus, those acting in the name of government must come before the common man to get permission to enforce a law.
    You are above the Law!

    As a JUROR in a trial setting, when it comes to your individual vote of innocent or guilty, you truly are answerable only to GOD ALMIGHTY. The First Amendment to the Constitution was born out of this great concept. However, judges of today refuse to inform JURORS of their RIGHTS. The Minneapolis Star and Tribune in a news paper article appearing in its November 30, 1984 edition, entitled: “What judges don’t tell the juries” stated:

    “At the time of the adoption of the Constitution, the jury’s role as defense against political oppression was unquestioned in American jurisprudence. This nation survived until the 1850’s, when prosecutions under the Fugitive Slave Act were largely unsuccessful because juries refused to convict.”
    “Then judges began to erode the institution of free juries, leading to the absurd compromise that is the current state of the law. While our courts uniformly state juries have the power to return a verdict of not guilty whatever the facts, they routinely tell the jurors the opposite.”
    “Further, the courts will not allow the defendants or their counsel to inform the jurors of their true power. A lawyer who made . . . Hamilton’s argument would face professional discipline and charges of contempt of court.”
    “By what logic should juries have the power to acquit a defendant but no right to know about that power? The court decisions that have suppressed the notion of jury nullification cannot resolve this paradox.”
    “More than logic has suffered. As originally conceived, juries were to be a kind of safety valve, a way to soften the bureaucratic rigidity of the judicial system by introducing the common sense of the community. If they are to function effectively as the ‘conscience of the community,’ jurors must be told that they have the power and the right to say no to a prosecution in order to achieve a greater good. To cut jurors off from this information is to undermine one of our most important institutions.”
    “Perhaps the community should educate itself. Then citizens called for jury duty could teach the judges a needed lesson in civics.”

    This booklet is designed to bring to your attention one important way our nation’s founders provided to insure that you, (not the growing army of politicians, judges, lawyers, and bureaucrats) rule this nation. It will focus on the true power you possess as a JUROR, how you got it, and why you have it, and remind you of the basis on which you must decide not only the facts placed in evidence but also the validity or applicability of every law, rule, regulation, ordinance, or instruction given by any man seated as a judge or attorney when you serve as a JUROR. [As you increase your knowledge, you may decide our forefather’s REPUBLIC has been changed into a “Marxist” “Democracy” and that you have a solemn DUTY as a JUROR]

    One JUROR can stop tyranny with a “NOT GUILTY VOTE!” He can nullify bad law in any case, by “HANGING THE JURY!”

    I am only one, but I am one. I cannot do everything, but I can do something. What I can do, I should do and, with the help of God, I will do! – Everett Hale

    The only power the judge has over the JURY is their ignorance!

    “WE THE PEOPLE,” must relearn a desperately needed lesson in civics.

    The truth of this question has been answered by many testimonies and historical events. Consider the following:
    Jury Rights
    “The jury has a right to judge both the law as well as the fact in controversy.”
    John Jay, 1st Chief Justice, U.S. supreme Court, 1789

    “The jury has the right to determine both the law and the facts.” Samuel Chase, U.S. supreme Court Justice 1796, Signer of the unanimous Declaration

    “The jury has the power to bring a verdict in the teeth of both law and fact.” Oliver Wendell Holmes, U.S. supreme Court Justice, 1902

    “The law itself is on trial quite as much as the cause which is to be decided.” Harlan F. Stone, 12th Chief Justice U.S. supreme Court, 1941.

    “The pages of history shine on instances of the jury’s exercise of its prerogative to disregard instructions from the judge . . .” U.S. vs. Dougherty, 473 F 2nd 1113, 1139, (1972).

    Law of the Land
    The general misconception is that any statute passed by legislators bearing the appearance of law constitutes the law of the land. The U. S. Constitution is the supreme law of the land, and any statute, to be valid, must be in agreement. It is impossible for a law which violates the Constitution to be valid. This is succinctly stated as follows:

    “All laws which are repugnant to the Constitution are null and void.” Marbury vs. Madison, 5 US (2 Cranch) 137, 174, 176, (1803)

    “Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them.” Miranda v. Arizona, 384 U.S. 436, p. 491.

    “An unconstitutional act is not law; it confers no rights; it imposes no duties; affords no protection; it creates no office; it is in legal contemplation, as inoperative as though it had never been passed.” Norton vs. Shelby County, 118 US 425 p. 442

    The general rule is that an unconstitutional statute, though having the form and name of law, is in reality no law, but is wholly void, and ineffective for any purpose; since unconstitutionality dates from the time of its enactment, and not merely from the date of the decision so branding it.

    “No one is bound to obey an unconstitutional law and no courts are bound to enforce it.” 16 Am Jur 2d, Sec 177, late 2d, Sec 256

    A Summary of
    The Ten Commandments

    The Ten Commandments represent GOD’S GOVERNMENT OVER MAN! GOD commands us for our own good to give up wrongs and not rights! HIS system always results in LIBERTY and FREEDOM! The Constitution and the Bill of Rights are built on this foundation, which provides for punitive justice. It is not until one damages another’s person or property that he can be punished. The Marxist system leads to bondage and GOD’S system leads to LIBERTY!
    Read very carefully:
    1. Thou shalt have no other gods before Me.
    2. Thou shalt not make unto thee any graven image.
    3. Thou shalt not take the name of the Lord thy God in vain.
    4. Remember the Sabath to keep it Holy.
    5. Honor thy father and mother.
    6. Thou shalt not murder.
    7. Thou shalt not commit adultery.
    8. Thou shalt not steal.
    9. Thou shalt not bear false witness.
    10. Thou shalt not covet.

    Directly above the Chief Justice’s chair in the US Supreme Court is a tablet signifying the TEN COMMANDMENTS. When the Speaker of the House in the U.S. Congress looks up, his eyes look into the face of Moses. “The bible is the Book upon which this Republic rests.” Andrew Jackson, Seventh President of the United States.

    “The moral principles and precepts contained in the Scriptures ought to form the basis of all our civil constitutions and laws. All the miseries and evils which men suffer from vice, crime, ambition, injustice, oppression, slavery, and war, proceed from their despising or neglecting the precepts contained in the Bible.” Noah Webster

    A Summary of
    The Communist Manifesto

    The Communist Manifesto represents a misguided philosophy, which teaches the citizens to give up their RIGHTS for the sake of the “common good,” but it always ends in a police state. This is called preventive justice. Control is the key concept.
    Read very carefully:
    1. Abolition of private property.
    2. Heavy progressive income tax.
    3. Abolition of all rights of inheritance.
    4. Confiscation of property of all emigrants and rebels.
    5. Central bank.
    6. Government control of Communications and Transportation.
    7. Government ownership of factories and agriculture.
    8. Government control of labor.
    9. Corporate farms, regional planning.
    10. Government [Corporate] control of education.

    [Note the following:
    1. Allodial free hold title to property (necessary for any elected official) is non existent — alleged “private” property is only yours to keep if you pay real estate tax on it, therefore it is not “private” but government owned, you pay rent or a “fee” to retain an interest in government ownership of your property. [See: Alod, Alodium, Page 183, Bouvier’s Law Dictionary as opposed to feudum. Allodial means: “An estate held by absolute ownership, without recognizing any superior to whom any duty is due on account thereof. 1 Washb. R.P. (5th ed.) *16” whereas a tenant on allodial title land in fee simple has an absolute and unqualified dominion over it. In technical language an estate in fee implies a “feudal” relationship. ]
    2. Done. We have a “Heavy progressive income tax.”
    3. Done. You have to go to a government controlled court to probate your parent’s belongings. A government court is in control of your parent’s property, your property and your children’s property. [Only way out of this is through an irrevocable Trust – See references at bottom]
    4. Done for drug dealers. Done for Japanese in America during WWII in 1941, etc.
    5. Done. Centralized in the “Federal Reserve” Bank System; all other banks are and must be member banks or they do not exist as banks.
    6. FCC and FTC in America control these.
    7. Government controls ownership of factories and agriculture through taxes and farm subsidies and tariffs.
    8. Government controls labor, controls unions, controls wages and sets minimum wages.
    9. Most farms have been converted from “family” farms to “corporate” farms and government planning is rampant in cities, counties and federal government.
    10. Government [Corporate] control of education or government control of education is completed, as prayers are not allowed in schools, text books are controlled with politically corrected terms (example: Tom Sawyer and Huckleberry Finn – The “N” word removal, plus others) and children do not learn the “reading, writing and arithmetic” basics, while each child in Japan learns calculus in order to graduate from high school. We stress football and glorify violence (notably the football players at Colorado’s Columbine High School over chess players) as opposed to the civilized world encouraging knowledge in their children. Our news media promotes fear and fear mongering of the citizens.

    Seems like we have already completed the Ten Planks of the Communist Manifesto in the USA.
    THINK ABOUT IT! The Russian Communists did not commit mass suicide and the East German Communists did not commit mass suicide when the “Wall” came down. We live in a police state. Deal with it. Then observe your only way to oppose EVIL is as a JUROR by your one vote to find a “Defendant” absolutely “NOT GUILTY” under the Common Law of GOD! ]

    Give up “Rights” for the “Common Good”?

    Where the people fear the government you have tyranny; where the government fears the people, you have liberty.
    Politicians, bureaucrats and especially judges would have you believe that too much freedom will result in chaos. Therefore, we should gladly give up some of our RIGHTS for the good of the community. In other words, people acting in the name of government, say we need more laws and more JURORS to enforce these laws — even if we have to give up some RIGHTS in the process. They believe the more laws we have, the more control, thus a better society. This theory may sound good on paper, and apparently many of our leaders think this way, as evidenced by the thousands of new laws that are added to the books each year in this country. But, no matter how cleverly this Marxist argument is made, the hard fact is that whenever you give up a RIGHT you lose a “FREE CHOICE!”
    This adds another control. Control’s real name is BONDAGE! The logical conclusion would be, if giving up some RIGHTS produces a better society, then by giving up all RIGHTS we would produce the perfect society. We could chain everybody to a tree, for lack of TRUST. This may prevent a crime, but it would destroy PRIVACY, which is the heartbeat of FREEDOM! It would also destroy TRUST which is the foundation for DIGNITY. Rather than giving up RIGHTS, we should be giving up wrongs! The opposite of control is not chaos. More laws do not make less criminals! We must give up wrongs, not rights, for a better society! William Pitt of the British House of Commons once proclaimed:

    “Necessity is the plea for every infringement of human liberty;
    it is the argument of tyrants; it is the creed of slaves.”

    INALIENABLE,
    [UNALIENABLE, Un-A Lien able, (not able to place a Lien against)] OR
    NATURAL RIGHTS!

    NATURAL RIGHTS ARE THOSE RIGHTS such as LIFE (from conception), LIBERTY and the PURSUIT OF HAPPINES eg. FREEDOM of RELIGION, SPEECH, LEARNING, TRAVEL, SELF-DEFENSE, ETC. Hence laws and statutes which violate NATURAL RIGHTS, though they have the color of law, are not law but impostors! The U.S. Constitution was written to protect these NATURAL RIGHTS from being tampered with by legislators. [See Lysander Spooner’s “Essay on the Trial by Jury”] Further, our forefathers also wisely knew that the U.S. Constitution would be utterly worthless to restrain government legislators unless it was clearly understood that the people had the right to compel the government to keep within the Constitutional limits.
    In a jury trial the real judges are the JURORS! Surprisingly, judges are actually just referees bound by the Constitution!

    In Lysander Spooner’s “Essay on the Trial by Jury” he wrote:
    “Government is established for the protection of the weak against the strong. This is the principal, if not the sole motive for the establishment of all legitimate government. It is only the weaker party that lose their liberties, when a government becomes oppressive. The stronger party, in all governments are free by virtue of their superior strength. They never oppress themselves. Legislation is the work of this stronger party; and if, in addition to the sole power of legislation, they have the sole power of determining what legislation shall be enforced, they have all power in their hands, and the weaker party are the subjects of an absolute government. Unless the weaker party have a veto, they have no power whatever in the government and . . . no liberties . . . The trial by jury is the only institution that gives the weaker party any veto upon the power of the stronger. Consequently it is the only institution that gives them any effective voice in the government, or any guaranty against oppression.”

    Jury Tampering?
    A JURY’s Rights, Powers and Duties:
    The Charge to the JURY in the First JURY Trial before the supreme Court of the U.S. illustrates the TRUE POWER OF THE JURY.
    In the February term of 1794, the supreme* [Note: “supreme” is not capitalized in the Constitution, however Behaviour is. Art. III. Also note the words “chuse” and “encreased” are old English spellings] Court conducted a JURY trial and said:

    “… it is presumed, that the juries are the best judges of facts; it is, on the
    other hand, presumed that the courts are the best judges of law. But still
    both objects are within your power of decision.”

    “You have a right to take upon yourselves to judge of both, and to determine
    the law as well as the fact in controversy.” [State of Georgia vs. Brailsford,
    et al, 3 Dall. 1]

    “The JURY has an unreviewable and unreversible power … to acquit in
    disregard of the instructions on the law given by trial judge …”
    (emphasis added) [U.S. vs. Dougherty, 473 F 2nd 1113, 1139 (1972)]

    Hence, JURY disregard of the limited and generally conviction-oriented evidence presented for its consideration, and JURY disregard for what the trial judge wants them to believe is the controlling law in any particular case (sometimes referred to as “JURY lawlessness.” Remembering that “jury lawlessness” means willingness to nullify bad law or to even nullify “good” law brought or prosecuted with EVIL intent or having crossed the line of justice through expediency) (continuing) is not something to be scrupulously avoided, but rather encouraged. Witness the following quotation from the eminent legal authority above-mentioned: “Jury lawlessness is the greatest corrective of law in its actual administration. The will of the state at large imposed on a reluctant community, the will of a majority imposed on a vigorous and determined minority, find the same obstacle in the local JURY that formerly confronted kings and ministers.” (emphasis added) [U.S. vs. Dougherty, 473 F 2nd 1113, note 32 at 1130 (1972)]
    * Supreme is not capitalized in the Constitution, however Behavior is, Art. III.
    * Jury lawlessness means willingness to nullify bad law.

    The Right of the JURY to be Told of Its Power

    Almost every JURY in the land is falsely instructed by the judge when it is told it must accept as the law that which is given to them by the court, and that the JURY can decide only the facts of the case. This is to destroy the purpose of a Common Law JURY, and to permit the imposition of tyranny upon a people.

    “There is nothing more terrifying than ignorance in action.” Goeth
    [Engraved on a plaque at the Naval War College]

    “To embarrass justice by a multiplicity of laws, or to hazard it by confidence
    in judges, are the opposite rocks on which all civil institutions have been
    wrecked.” [Johnson – Engraved in Minnesota State Capitol outside the
    Supreme Court Chambers]

    “The letter killeth, but the spirit giveth life.” [ II Corinthians 3:6 ]

    “It is error alone which needs the support of government.
    Truth can stand by itself.” [Thomas Jefferson]

    The JURY’s options are by no means limited to the choices presented to it in the courtroom. “The jury gets its understanding as to the arrangements in the legal system from more than one voice. There is the formal communication from the ‘judge.’ There is the informal communication from the total culture – literature, current comment, conversation; and, of course, history and tradition.” [U.S. vs. Dougherty, 473 F 2nd 1113, at 1135 (1972)]

    Laws, Facts and Evidence!

    Without the power to decide what facts, law and evidence are applicable, JURIES cannot be a protection to the accused. If people acting in the name of government are permitted by JURORS to dictate any law whatever, they can also unfairly dictate what evidence is admissible or inadmissible and thereby prevent the WHOLE TRUTH from being considered. Thus if government can manipulate and control both the law and evidence, the issue of fact becomes virtually irrelevant. In reality, true JUSTICE would be denied leaving us with a trial by government and not a trial by JURY!

    HOW DOES TYRANNY BEGIN?
    WHY ARE THERE SO MANY LAWS?

    Heroes are men (and women) of glory who are so honored because of some heroic deed. People often out of gratitude yield allegiance to them. Honor and allegiance are nice words for power! Power and allegiance can only be held rightfully by trust as a result of continued character.
    When people acting in the name of government (agent provocateurs) violate ethics, they break trust with “We The People.” The natural result is for “WE THE PEOPLE” to pull back power (honor and allegiance).
    The loss of power creates fear for those losing power, (agent provocateurs). Fearing the loss of power, people acting in the name of government often seek to regain or at least hold their power. Hence, to legitimatize their quest for control, laws and force are often instituted. [Example: Police shooting Citizens, County Attorneys claiming it was “justified,” Legislators writing laws that say if it is “justified,” any criminal or civil case against government must be dismissed as a matter of law, (color of law) – And we know: “Thou shall not kill” is GOD’s Law]
    Unchecked power is the foundation of tyranny by agent provocateurs. It is the JUROR’s duty to use the JURY ROOM as a vehicle to stem the tide of oppression and tyranny: To prevent bloodshed by peacefully removing power from those who have abused it. The JURY is the primary vehicle for the peaceable restoration of LIBERTY, POWER, and HONOR TO “WE THE PEOPLE!”
    YOUR VOTE COUNTS!

    Your vote of “NOT GUILTY” must be respected by all other members of the JURY – it is the RIGHT and the DUTY of a JUROR to Never, Never, Never yield his or her sacred vote – for you are not there as a fool, merely to agree with the majority, (ultimately only as a rubber stamp for agent provocateurs) but as an officer of the court and a qualified judge in your own right. Regardless of the pressures or abuse that may be heaped on you by any other members of the JURY with whom you may in good conscience disagree, you can await the reading of the verdict secure in the knowledge you have voted your own conscience and convictions – and not those of someone else.

    YOU ARE NOT A RUBBER STAMP!
    By what logic do we send our youth to battle tyranny on foreign soil, while we refuse to do so in our own courts? Did you know that many of the planks of the “Communist Manifesto” are now represented by laws in the U.S.? how is it possible for Americans to denounce communism and practice it simultaneously?
    The JURY judges the Spirit, Motive and Intent of both the law and the Accused, whereas the prosecutor only represents the letter of the law, not its morality or ethics.
    Therein lies the opportunity for the accomplishment of “LIBERTY and JUSTICE for ALL.” If you, and numerous other JURORS throughout the State and Nation begin and continue to bring in verdicts of “NOT GUILTY” in such cases where a man-made statute is defective or oppressive, these statutes will become as ineffective as if they had never been written. YOU HAVE A DUTY TO EVALUATE A LAW FOR ITS CONSTITUTIONALITY!

    “If ye love wealth better than liberty, the tranquility of servitude better than
    the animating contest of freedom, go home from us in peace. We ask not
    your counsels or your arms. Crouch down and lick the hands which feed you.
    May your chains set lightly upon you, and may posterity forget that ye were
    our countrymen.” [Samuel Adams]

    Section 2: Give me Liberty or give me death!
    Patrick Henry was Shocked!
    Young Christian attorney Patrick Henry saw why a JURY of PEERS is so vital to FREEDOM! It was March, 1775 when he rode into the small town of Culpepper, Virginia. He was totally shocked by what he saw! There, in the middle of the town square was a minister tied to a whipping post, his back laid bare and bloody with the bones of his ribs showing. He had been scourged (to strike with a whip for punishment) mercilessly like JESUS, with whips laced with metal.
    Patrick Henry is quoted as saying: “When they stopped beating him, I could see the bones of his rib cage. I turned to someone and asked what the man had done to deserve such a beating as this.”
    SCOURGED (Whipped) FOR NOT TAKING A LICENSE!
    The reply given him was that the man being scourged was a minister who refused to take a license. He was one of twelve who were locked in jail because they refused to take a license. A license often becomes an arbitrary control by government that makes a crime out of what ordinarily would not be a crime.

    A “LICENSE” TURNS A RIGHT INTO A PRIVILEGE!
    [Example is your Driver’s License]
    Three days later they scourged him to death.

    This was the incident which sparked Christian attorney Patrick Henry to write the famous words which later became the rallying cry of the Revolution:

    “What is it that Gentlemen wish? What would they have? Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! I know not what course others may take, but as for me, GIVE ME LIBERTY OR GIVE ME DEATH!” Later he made this part of his famous speech at St. John’s at St. John’s Episcopal Church in Williamsburg, Virginia. (3/23/1775)
    Jury of Peers

    Our forefathers felt that in order to have JUSTICE, it is obvious that a JURY of “Peers” must be people who actually know the defendant. How else would they be able to judge motive and intent?

    “PEERS” of the defendant, like the rights of the JURY have also been severely tarnished. Originally, it meant people of “equals in station and rank,” (Black’s 1910), “freeholders of a neighborhood,” (Bouvier’s 1886) or “A companion; a fellow; an associate, (Webster’s 1828).
    WHO HAS A RIGHT TO SIT ON A JURY?

    Patrick Henry, along with others, was deeply concerned as to who has a right to sit on a JURY. Listen to our forefather’s wisdom on the subject of “PEERS.”

    Mr. Henry:
    “By the bill of rights of England, a subject has a right to a trial by his peers. What is meant by his peers? Those who reside near him, his neighbors, and who are well acquainted with his character and situation in life.” Patrick Henry, (Elliot, The Debates in the Several State Conventions on the Adoption of the Federal Constitution. 3:579).
    Patrick Henry also knew that originally the JURY of PEERS was designed as a protection for Neighbors from outside governmental oppression. Henry states the following: “Why do we love this trial by jury? Because it prevents the hand of oppression from cutting you off … This gives me comfort – That, as long as I have existence, my neighbors will protect me.” (Elliot, 3:546).

    Mr. Holmes:
    Mr. Holmes from Massachusetts, argued strenuously that for JUSTICE to prevail, the case must be heard in the vicinity where the fact was committed by a JURY of PEERS. “. . . a jury of peers would, from their local situation, have an opportunity to form a judgment of the CHARACTER of the person charged with the crime, and also to judge of the CREDIBILITY of the witnesses.” (Elliot, 2:110)

    Mr. Lincoln:
    “The people are the masters of both Congress and courts, not to overthrow the Constitution, but to overthrow the men who pervert it!” Abraham Lincoln

    Mr. Wilson:
    Mr. Wilson, signer of “The unanimous Declaration,” who also later became a supreme Court Justice, stressed the importance of the JURORS knowing personally both the defendant and the witnesses. “Where jurors can be acquainted with the characters of the parties and the witnesses – where the whole cause can be brought within their knowledge and their view – I know no mode of investigation equal to that by a trial by jury: They hear every thing that is alleged; they not only hear the words, but they see and mark the features of the countenance; they can judge of weight due to such testimony; and moreover, it is a cheap and expeditious manner of distributing justice. There is another advantage annexed to the trial by jury; the jurors may indeed return a mistaken or ill-founded verdict, but their errors cannot be systematical. (Elliot, 2:516).
    Freedom for William Penn

    “Those people who are not governed by GOD will be ruled by tyrants.” — William Penn

    Edward Bushell and three fellow JURORS learned this lesson well. They refused to bow to the court. They believed in the absolute power of the JURY, though their eight companions cowered to the court. The four JURORS spent nine weeks of torture in prison, often without food or water, soaked with urine, smeared with feces, barely able to stand, and even threatened with fines, yet they would not give in to the judge. Edward Bushell said, “My liberty is not for sale,” though he had great wealth and commanded an international shipping enterprise. These “bumble heads,” so the court thought, proved the power of the people was stronger than any power of government. They emerged total victors.

    THE FIRST AMENDMENT
    The year was 1670, and the case Bushell sat on was that of William Penn, who was on trial for violation of the “Conventicle Act.” This was an elaborate Act which made the Church of England the only legal church. The Act was struck down by their not guilty vote. Freedom of Religion was established and became part of the First Amendment to the U.S. Constitution. In addition, the Right to peaceful assembly was founded. Freedom of Speech, and also habeas corpus. The first such writ of habeas corpus ever issued by the Court of Common Pleas was used to free Edward Bushell. Later this trial gave birth to the concept of Freedom of the press.
    Had Bushell and his colleagues yielded to the guilty verdict sought by the judge and prosecutor, William Penn most likely would have been executed as he clearly broke the law.
    HE BROKE THE LAW!
    Then there would have been no Liberty Bell, no Independence Hall, no city of Philadelphia, and no state called Pennsylvania, for young William Penn, founder of Pennsylvania, and leader of the Quakers, was on trial for his life. His alleged crime was preaching and teaching a different view of the Bible that that of the Church of England. This appears innocent today, but then, one could be executed for such actions. He believed in freedom of religion, freedom of speech and the right to peaceful assembly. He had broken the government’s law, but he had injured no one. Those four heroic JURORS knew that only when actual injury to someone’s person or property takes place is there a real crime. No law is broken when no injury can be shown. Thus there can be no loss or termination of rights unless actual damage is proven. Many imposter laws were repealed as a result of this case.
    IT IS ALMOST UNFAIR!
    This trial made such an impact that every colony but one established the jury as the first liberty to maintain all other liberties. It was felt that the liberties of people could never be wholly lost as long as the jury remained strong and independent, and that unjust laws and statutes could not stand when confronted by conscientious JURORS. JURORS today face an avalanche of imposter laws. JURORS not only still have the power and the RIGHT, but also the DUTY, to nullify bad laws by voting “not guilty”. At first glance it appears that it is almost unfair, the power JURORS have over government, but necessary when considering the historical track record of oppression that governments have wielded over private citizens.

    Jefferson’s Warnings!

    In 1789 Thomas Jefferson warned that the judiciary if given too much power might ruin our REPUBLIC, and destroy our RIGHTS!
    “The new Constitution has secured these [individual rights] in the Executive and Legislative departments: but not in the Judiciary. It should have established trials by the people themselves, that is to say, by jury.” (emphasis added)

    “The Judiciary of the United States is the subtle corps of sappers and miners constantly working under ground to undermine the foundations of our confederated fabric.” (1820)
    “… the Federal Judiciary; an irresponsible body (for impeachment is scarcely a scarecrow), working like gravity by night and by day, gaining a little to-day and a little tomorrow, and advancing its noiseless step like a thief, over the field of jurisdiction, until all shall be usurped from the States, and the government of all be consolidated into one. … when all government … in little as in great things, shall be drawn to Washington as the centre of all power, it will render powerless the checks provided of one government on another and will become as venal and oppressive as the government from which we separated. (emphasis added 1821)
    “The opinion which gives to the judges the right to decide what laws are constitutional and what not, not only for themselves in their own sphere of action, but for the legislative and executive also in their spheres, would make the judiciary a despotic branch.
    “… judges should be withdrawn from the bench whose erroneous biases are leading us to dissolution. It may, indeed, injure them in fame or fortune; but is saves the Republic …”

    Section 3: Index to the Original Documents

    Index to the Original Documents
    General Index to: The Unanimous Declaration:
    I. Need to dissolve certain political relationships
    II. Need to assume powers which GOD entitles man.
    III. Declaring separation from an unjust government.
    IV. Self-evident truths elaborated
    A. All men are created equal.
    B. God our Creator gives to each unalienable Rights
    1. Life, Liberty, Happiness, property, safety, respect, privacy, etc.
    C. The purpose of government is to protect the weak from the strong.
    D. Right and duty to abolish bad government.
    1. Fact: The revolution was not out of rebellion by the colonies,
    but rather England rebelled against God’s Law by repeated
    injuries of usurpation and tyranny. The young colonies were
    forced to defend themselves against England’s tyranny.
    a. eg. Bad laws, bad courts, police state (swarms of soldiers),
    taxes without consent, deprived of trial by jury, deporting
    people for trial, England declared the colonies out of their
    protection, rights of individuals plundered.
    b. The colonies repeatedly petitioned England, but only
    received repeated injury.
    c. England was warned from time to time.
    d. England was deaf to the voice of justice.
    V. The colonies appealed to God the Supreme Judge of the world.
    VI. The colonies right to be free and independent.
    VII. Under the protection of God they pledged their lives, fortunes and honor.

    General Index to: Constitution of the United states:
    Preamble: The people hold the power. “We the people … in order to form a more perfect union, … and secure the blessings of liberty …”

    Article I.
    Section
    1. Legislative powers:
    2. House of representatives: qualification of members; appointment of representatives and direct taxes; census; first appointment; vacancies; officers of the house; impeachment.
    3. Senate: classification of senators; qualifications of vice president to preside; other officers; trial of impeachments.
    4. Election of members of congress; time assembling of congress.
    5. Powers of each house: punishment for disorderly Behaviour; journal; adjournments.
    6. Compensation and privileges; disabilities of members.
    7. Revenue bills: passage and approval of bills; orders and resolutions.
    8. General powers of congress: borrowing of money; regulation of commerce; naturalization and bankruptcy; money; weights and measures; counterfeiting; post offices; patents and copyrights; inferior courts; piracies and felonies; war; marque and reprisal; armies; navy; land and naval forces; calling the militia; District of Columbia; to enact laws necessary to enforce the Constitution.
    9. Limitations of congress: migration; writ of habeas corpus; bills of attainder and ex post facto laws prohibited; direct taxes; exports not to be taxed; interstate shipping; drawing money from the treasury; financial statements to be published; titles of nobility and favors from foreign powers prohibited.
    10. Limitations of the individual states: no treaties, letters of marque and reprisal; no coining of money; bills of credit; not allowed to make any Thing but gold and silver coin a tender in payment of debts; no bills of attainder; ex post facto Law or law impairing the obligation of contracts; no titles of nobility; state imposts and duties; further restrictions on state powers.

    Article II.
    Section
    1. Executive powers: electors; qualifications, vacancy, compensation and Oath of the president.
    2. Powers and duties of the president; making of treaties; power of appointments.
    3. Other powers and duties.
    4. All government officers are liable to impeachment.

    Article III.
    Section
    1. Judicial powers: all judges must have good Behaviour to stay in office; compensation not to be diminished.
    2. Jurisdiction of federal court and supreme court; trials for crimes by jury except impeachment.
    3. Treason defined: trial for and punishment.

    Article IV.
    Section
    1. Message to the states: each state is to give full faith and credit to public acts and records of other states.
    2. Citizens of each state shall be entitled: fleeing from justice.
    3. Admission of new states: power of congress over territories.
    4. Republican form of government guaranteed to every state; protection from invasion or domestic violence.

    Article V.
    Section
    1. Amending the Constitution.

    Article VI.
    Section
    1. National obligations: Public debt; Constitution to be the supreme Law of the land; Constitutional Oath of office; no religious test required.

    Article VII.
    Section
    1. Ratification of the Constitution: George Washington signs as a Twelfhindi, the highest rank in Saxon government, eg. He was equal of 1200 King Georges, or you as a juror are equal to 1200 presidents, congressmen or judges, local, federal or of the supreme Court.

    General Index to: The Bill of Rights and Amendments:
    Preamble: Limiting the federal government: An expressed desire to prevent abuse of federal powers!

    ARTICLES – COMMON LAW
    I. Religious freedom, both to an establishment as well as the free exercise thereof; freedom of speech, press; right of petition; right to assemble.
    II. Right to bear arms.
    III. Quartering of soldiers.
    IV. The right to privacy and security against unreasonable searches and seizures; search warrants.
    V. Grand Jury, double jeopardy, no one must witness against himself, no loss of life, liberty or private property without due process.
    VI. Speedy and public trials, impartial jury; nature and cause, right to confront; compulsory witnesses, assistance of Counsel – note, does not say attorney.
    VII. Right to trial by jury according to the rules of common law – Ten Commandments are the foundation of Common Law.
    VIII. Excessive bail, fines, punishment etc. prohibited.
    IX. Rights beyond Bill of Rights belong to the people.
    X. Undelegated powers belong to the people unless given by the people to the states. Articles I-X were proposed Sept. 25, 1789, ratified Dec. 15, 1791.

    AMENDMENTS – EQUITY LAW
    XI. Restriction on judicial powers, proposed March 5, 1794, adopted January 8, 1798.
    XII. Manner of electing the president and vice president, proposed December 12, 1803, adopted September 25, 1804.
    XIII. Slavery and involuntary servitude prohibited, took effect December 18, 1865.
    XIV. Citizenship and status defined, privilege of 2nd, 3rd, or whatever status of citizenship one selects for oneself, as opposed to Freeholder with full sovereign rights; apportionment of representatives; who is prohibited from holding office; public debt. Caution: There is serious doubts as to the legality of this amendment because of the manner of ratification which was highly suspect. At least 10 States were held by force of arms until the proper authorities agreed to vote for this amendment. An excellent overview of this was written by the Utah Supreme Court – 439 Pacific Reporter 2d Series pp 266-276, and for a more detailed account of how the 14th amendment was forced upon the Nation see articles in 11 S.C.L.Q. 484, and 28 Tul.L.Rev. 22., took effect July 28, 1868.
    XV. Non Freeholders given right to vote, took effect March 30, 1870.
    XVI. Income tax, took effect February 25, 1913, possibly only four States ratified it properly.
    XVII. Direct elections of senators; elections; vacancies in the senate, took effect May 31, 1913. This moved us from a complex Republic to a simple republic much like the style of government of the Soviet Union. State rights were lost and we were plunged headlong into a democracy of which our forefathers warned was the vilest form of government because it always ends in oppression.
    XVIII. Prohibition of liquor traffic, took effect January 29, 1920.
    XIX. Voting for women, took effect August 27, 1920.
    XX. Terms of the president, vice president, senators and representatives, date of assembling of congress, vacancies of the president, power of congress in presidential succession, took effect February 6, 1933.
    XXI. Eighteenth Article repealed; took effect December 5, 1933.
    XXII. Limits of the presidential term, took effect March 1, 1951.
    XXIII. Electors for the District of Columbia, took effect April 3, 1961.
    XXIV. Right to vote at age 18, took effect July 5, 1971. *took effect is used as there is a great deal of suspicion as to the nature of these amendments (common law vrs. Equity), also whether these last 16 amendments are legal, how many were ratified correctly, do they create a federal constitution in opposition to the original, etc. For further studies a good place to begin is with the article by the Utah Supreme Court on the 14th amendment, 439 Pacific Reporter 2d Series pp 266-276, and Senate Doc. 240.

    ORIGINAL DOCUMENTS:
    In CONGRESS, July 4, 1776.
    The unanimous Declaration of the thirteen united States of America

    When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitles them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
    We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed. That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its power in such form, as to them seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shown, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.
    He has refused his Assent to Laws, the most wholesome and necessary for the public good.
    He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.
    He has refused to pass other laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
    He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.
    He has dissolved Representative houses repeatedly, for opposing with manly firmness his invasion on the rights of the people.
    He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the state remaining in the meantime exposed to all the dangers of invasion from without, and convulsions within.
    He has endeavored to prevent the population of these States; for that purpose obstructing the Laws for naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new appropriations of lands.
    He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary Powers.
    He has made judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.
    He has erected a multitude of New Offices, and sent hither swarms of Officers to harass our people, and eat out their substance.
    He has kept among us, in time of peace, Standing Armies without the Consent of our legislature.
    He has affected to render the Military independent of and superior to the Civil power.
    He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
    For Quartering large bodies of armed troops among us:
    For protecting them, by a mock trial, from punishment for any Murders which they should commit on the Inhabitants of these States:
    For cutting off our Trade with all parts of the world:
    For imposing Taxes on us without our Consent;
    For depriving us in many cases of the benefit of Trial by Jury;
    For transporting us beyond Seas to be tried for pretended offenses:
    For abolishing the free System of English Laws in a neighboring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:
    For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Government:
    For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.
    He has abdicated Government here, by declaring us out of his Protection and waging War against us.
    He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.
    He is at this time transporting large Armies of foreign Mercenaries to complete the works of death, desolation and tyranny, already begun with circumstances of Cruelty and perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
    He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.
    He has excited domestic insurrections amongst us, and has endeavored to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, in an undistinguished destruction of all ages, sexes and conditions.
    In every stage of these Oppressions We have Petitioned for Redress in the most humble terms. Our repeated Petition have been answered only by repeated injury. A Prince, whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.
    Nor have We been wanting in attention to our British brethern. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of Justice and to consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.
    We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved: and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliance, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor.
    Signers of the Unanimous Declaration
    According to the Authenticated List printed by
    Order of Congress of January 18, 1777
    John Hancock.

    New-Hampshire: Joseph Bartlett Wm. Whipple Matthew Thornton

    Massachusetts-Bay: Samuel Adams John Adams Robt Treat Paine

    Rhode-Island & Providence & c: Step. Hopkins William Ellery

    Connecticut: Roger Sherman Saml. Huntington Wm. Williams
    Oliver Wolcot

    New-York: Wm. Floyd Phil Livingston Frans Lewis
    Lewis Morris

    New-Jersey: Richd. Stockton Jno. Witherspoon Fras Hopkinson
    John Hart Abra. Clark

    Pennsylvania: Robt. Morris Benjamin Rush Benja. Franklin
    John Morton Geo. Clymer Jas. Smith
    Geo. Taylor James Wilson Geo. Ross

    Delaware: Ceasar Rodney Geo. Read Tho. M. Kean

    Maryland: Samual Chase Wm. Paca Thos Stone
    Charles Carrol, of Carrollton

    Virginia: George Wythe Richard Henry Lee Thos Jefferson
    Benja. Harrison Thos Nelson, jr Francis Lightfoot Lee
    Carter Braxton

    North Carolina: Wm. Hooper Joseph Hewes John Penn

    South Carolina: Edward Ruthledge Arthur Middleton Thos. Heyward, junr.
    Thomas Lynch, junr.

    Georgia: Button Gwinnett Lyman Hall Geo. Walton

    IT IS NOW YOUR TURN AS A JUROR!

    You – as a juror – armed merely with the knowledge of what a COMMON LAW JURY really is and what your common law rights, powers, and duties really are, can do more to re-establish “liberty and justice for all” in this State and ultimately throughout all of the United States than all our Senators and Representatives put together. Why? Because even without the concurrence of any of your fellow jurors in a criminal trial, you, with your single vote of “NOT GUILTY” can nullify every rule or “law” that is not in accordance with the principles of natural, God-given, Common or Constitutional Law. It is precisely this power of nullification that makes the trial by JURY one of our most important RIGHTS. It can protect and preserve all of the citizen’s other RIGHTS.

    [Note: the Letter “u” in the word “united” is not capitalized since originally the term “united” was used as an “adjective” and was not used as a “noun” to describe the term “States” as in our Title: “The United States” as opposed to the Original description: “States of America”]
    The Constitution of the united States

    We the People* of the united States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the united States of America.
    [* Originally, the Constitution had no “title” but simply began “We the People …”]
    ARTICLE I
    Section 1. All legislative Powers herein granted shall be vested in a Congress of the United States, which shall consist of a Senate and House of Representatives.
    Section 2. The House of Representatives shall be composed of Members chosen every second Year by the People of the several States, and the Electors in each State shall have the Qualifications requisite for Electors of the most numerous Branch of the State Legislature.
    No Person shall be a Representative who shall not have attained to the Age of twenty-five Years, and been seven Years a Citizen of the United States, and who shall not, when elected, be an Inhabitant of that State in which he shall be chosen.
    Representatives and direct Taxes shall be apportioned among the several States which may be included within this Union, according to their respective Numbers, which shall be determined by adding to the whole Number of free Persons, including those bound to Service for a Term of Years, and excluding Indians not taxed, three-fifths of all other Persons. The actual Enumeration shall be made within three Years after the first Meeting of the Congress of the United States, and within every subsequent Term of ten Years, in such Manner as they shall by Law direct. The Number of Representatives shall not exceed one for every thirty Thousand, but each State shall have a Least one Representative; and until such enumeration shall be made, the State of New Hampshire shall be entitled to chuse three, Massachusetts eight, Rhode-Island and Providence Plantations one, Connecticut five, New York six, New Jersey four, Pennsylvania eight, Delaware one, Maryland six, Virginia ten, North Carolina five, South Carolina five, and Georgia three.
    When vacancies happen in the Representation from any State, the Executive Authority thereof shall issue Writs of Election to fill such Vacancies.
    The House of Representatives shall chuse their Speaker and other Officers; and shall have the sole Power of Impeachment.
    Section 3. The Senate of the United States shall be composed of two Senators from each State, chosen by the Legislature thereof, for six Years; and each Senator shall have one Vote.
    Immediately after they shall be assembled in Consequence of the first Election, they shall be divided as equally as may be into three Classes. The Seats of the Senators of the first Class shall be vacated at the expiration of the second Year, of the second Class at the Expiration of the fourth Year, and of the third Class at the Expiration of the sixth Year, so that one third may be chosen every second Year; and if Vacancies happen by Resignation, or otherwise, during the Recess of the Legislature of any State, the Executive thereof may make temporary Appointments until the next Meeting of the Legislature, which shall then fill such Vacancies.
    No Person shall be a Senator who shall not have attained to the Age of thirty Years, and been nine Years a Citizen of the United States, and who shall not, when elected, be an Inhabitant of that State for which he shall be chosen.
    The Vice President of the United States shall be President of the Senate, but shall have no Vote, unless they be equally divided.
    The Senate shall chuse their other Officers, and also a President pro tempore, in the Absence of the Vice President, or when he shall exercise the Office of President of the United States.
    The Senate shall have the sole Power to try all Impeachments. When sitting for that Purpose, they shall be on Oath or Affirmation. When the President of the United States is tried, the Chief Justice shall preside: And no Person shall be convicted without the Concurrence of two thirds of the Members present.
    Judgment in Cases of Impeachment shall not extend further than to removal from Office, and disqualification to hold and enjoy any Office of honor, Trust or Profit under the United States: but the Party convicted shall nevertheless be liable and subject to Indictment, Trial, Judgment and Punishment, according to Law.
    Section 4. The Times, Places and Manner of holding Elections for Senators and Representatives, shall be prescribed in each State by the Legislature thereof; but the Congress may at any time by Law make or alter such Regulations, except as to the Places of chusing Senators.
    The Congress shall assemble at least once in every Year, and such Meeting shall be on the first Monday in December, unless they shall by Law appoint a different Day.
    Section 5. Each House shall be the Judge of Elections, Returns and Qualifications of its own Members, and a Majority of each shall constitute a Quorum to do Business; but a smaller Number may adjourn from day to day and may be authorized to compel the Attendance of absent Members, in such Manner, and under such Penalties as each House may provide.
    Each House may determine the Rules of its Proceedings, punish its Members for disorderly Behaviour, and, with the Concurrence of two thirds, expel a Member.
    Each House shall keep a Journal of its Proceedings, and from time to time publish the same, excepting such Parts as may in their Judgment require Secrecy; in the Yeas and Nays of the Members of either House on any question shall, at the Desire of one fifth of those Present, be entered on the Journal.
    Neither House, during the Session of Congress, shall, without the Consent of the other, adjourn for more than three days, nor to any other Place than that in which the two Houses shall be sitting.
    Section 6. The Senators and Representatives shall receive a Compensation for their Services, to be ascertained by Law, and paid out of the Treasury of the United States. They shall in all Cases, except Treason, Felony and Breach of the Peace, be privileged from arrest during their Attendance at the Session of their respective Houses, and in going to and returning from the same; and for any Speech or Debate in either House, they shall not be questioned in any other Place.
    No Senator or Representative shall, during the Time for which he was elected, be appointed to any civil Office under the Authority of the United States which shall have been created, or the Emoluments whereof shall have been encreased during such time; and no Person holding any Office under the United States, shall be a Member of either House during his Continuance of Office.
    Section 7. All Bills for raising Revenue shall originate in the House of Representatives; but the Senate may propose or concur with Amendments as on other Bills.
    Every Bill which shall have passed the house of Representatives and the Senate, shall, before it becomes a Law, be presented to the President of the United States; if he approve he shall sign it, but if not he shall return it, with his Objections to that House in which it shall have originated, who shall enter the Objections at large on their Journal, and proceed to reconsider it. If after such Reconsideration two thirds of that House shall agree to pass the Bill, it shall be sent, together with the Objections, to the other House, by which it shall likewise be considered, and if approved by two thirds of that House, it shall become a Law. But in all such Cases the Votes of both Houses shall be determined by Yeas and Nays, and the Names of Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the President within


  34. Bob Hanks
    3 years ago

    Family Love Letter: Hopefully, this is a complete list of the items contained in the above Message:

    FAMILY LOVE LETTER on Retirement, Death

    Dear Loved Ones:

    In an attempt to simplify matters for you, I have written this “Family Love Letter” to provide you with information that will help you when the time arises:

    SECTION ONE – ADVISORS $ FINANCIAL INFORMATION:
    MY ADVISORS:

    Having the right advisors is a critical part of my planning. Some of the people you may need to contact are listed below:

    Financial Advisor:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Attorney:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    CPA/Accountant:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Stockbroker:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Pension Benefits:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Employer:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Mortgage Holder:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Property and Casualty Insurance Advisor:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Banker:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Car Insurance agent(s):
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    Other:
    Company:
    Name:
    Address:
    Phone: FAX: E-Mail:

    My Investment Strategy:
    Whether you’re saving for your retirement, setting up a college funding program or putting money away for a dream vacation, determining an asset allocation mix that best suits your investment needs is as much a personal as it is a technical endeavor. Some factors you should consider when choosing how you’ll invest include: Your investment objective, your investment time horizon, your tolerance for risk, your ongoing financial situation and your personal investment experience. This understanding will help determine the types of investments you’ll select to work toward your specific goals and objectives.
    Are you still on track with your goals and objectives?

    What Type of Investor are you?
    Rank the following Concerns from 1 (very low) to 9 (very high). Avoid duplicating the same ranking for any of the six concerns. We are concerned principally with “surplus” money that you have saved or invested, or will save or invest in the future, and of course inherited money. It is the growth, protection and eventual use of this capital that we are asking you to think about as each of the six key financial concerns is ranked.

    Concerns:
    How Concerned Are You About:

    Inflation Hedge: Having your savings and investments keep pace with inflation?
    1 2 3 4 5 6 7 8 9

    Tax Advantage: Obtaining all the tax benefits to which you are legally entitled and which are suitable for you?
    1 2 3 4 5 6 7 8 9

    Safety: Being sure you do not lose your original investment? (High score indicates a desire for safe investments)
    1 2 3 4 5 6 7 8 9

    Liquidity: Being able to quickly convert your investments to cash at current market value?
    1 2 3 4 5 6 7 8 9

    Current Income: Withdrawing maximum income from your savings and investments this year?
    1 2 3 4 5 6 7 8 9

    Family Benefit: Keeping your investment program from not being overly complex or difficult for your family to manage in the event of your death?
    1 2 3 4 5 6 7 8 9

    If I become incapacitated, I want my decision-makers to have the following general approach to my investments:

    I am not legally obligating my decision-makers to this approach.

    My Assets:

    Here is a list of all my retirement accounts, stocks, bonds and other investments, including real property. I have listed a contact person and telephone number for each item, as well as the location of any documents.

    I have  have not  attached a financial statement.

    Retirement Accounts:

    There is a wide range of retirement plans available today, including government-sponsored plans, personal plans, annuities and employer-sponsored plans:

    Social Security:

    The Social Security program is a government-operated retirement plan that provides monthly income to retirees. It was designated to meet the basic needs of retirees. Keep in mind that most people need 70-80% of their pre-retirement incomes to maintain the same standards of living, and Social Security income is typically much lower than that.

    Monthly Benefit Amount:

    SS Office Contact Person:

    Phone:

    Local SS Office Address:

    Is payment Direct Deposited?  Yes  No

    Bank Name/Account Number:

    Bank Address:

    Bank Phone Number:

    For more information about your Social Security benefits, please call 800-772-1213 or visit:
    http://www.socialsecurity.gov/mystatement.

    Individual Retirement Accounts (IRAs)

    The most common personal plan, IRAs are tax-deferred retirement accounts. They can be set up using money markets, mutual funds or annuities. There are several types:
    1. Traditional IRAs – used primarily by individuals without pensions or 401(k)s and funded
    with pre-tax dollars.
    2. Rollover IRAs – in which funds from another qualified retirement plan (e.g., 401(k) or
    profit-sharing plan) have been placed in a pension IRA.
    3. Roth IRAs – often supplement 401(k)s and are funded with after-tax dollars. Many
    people have more than one IRA account and have accumulated sizeable sums for
    retirement income.
    4. SEP (Simplified Employee Pension Plan) IRAs – an employer-sponsored plan, it can be
    opened by the smallest of businesses, even if there is only one employee, and enables
    individuals to contribute the most toward their own and their employees’ retirement,
    without getting involved in a more complex qualified plan such as the 401(k).
    5. Simple (Savings Incentive Match Plan for Employees) IRAs – similar to the SEP IRA, a
    small business retirement plan used primarily in companies with less than 100
    employees who want to provide an alternative to a qualified profit-sharing plan.

    Type of IRA:
    Company Name:
    Account Balance:
    Account Number(s):
    Plan Administrator/Custodian Name:
    Address:
    Phone: FAX: E-Mail:
    E-Mail Address:
    Documents are located:

    Type of IRA:
    Company Name:
    Account Balance:
    Account Number(s):
    Plan Administrator/Custodian Name:
    Address:
    Phone: FAX: E-Mail:
    E-Mail Address:
    Documents are located:

    Annuities:

    Another type of personal plan, annuities are taxed-deferred retirement savings vehicles. An annuity is a contract between you and an insurance company in which you pay money into an account in exchange for a guaranteed (guarantees are based on the claims-paying ability of the issuing insurance company), payment later. Fixed annuities offer a fixed rate of return and fixed payments. Variable annuities generally offer a range of investment options, so they’re subject to market risk and payment amounts will vary. Deferred annuities allow contributions over a period of years and are designed for accumulation of assets. The funds for an immediate annuity come from a single contribution [from a 401(k), for example] and payout begins within that year.

    Annuity Company Name:

    Account Value:
    Contract Number:
    Annuitant Name:
    Owner Name:
    Beneficiary Name:
    Death Benefit:
    Customer Service Number:
    Address:
    Phone: FAX: E-Mail:
    Documents are located:
    Type of Annuity:

    Annuity Company Name:

    Account Value:
    Contract Number:
    Annuitant Name:
    Owner Name:
    Beneficiary Name:
    Death Benefit:
    Customer Service Number:
    Address:
    Phone: FAX: E-Mail:
    Documents are located:
    Type of Annuity:

    Qualified Retirement Plans:

    Some employers still offer traditional pensions, known as defined benefit plans, which guarantee a certain level of income for the rest of your life. The amount is calculated based on your term of service and level of compensation. A 401(k) (or similar) defined contribution plan is a tax-deferred retirement account and more commonly offered today. Often employee contributions are matched up to a certain percentage by the employer. For many people, their 401(k) accounts are, with the exception of their homes, their biggest assets.

    Type of Plan:
    Account Balance:
    Company Name:
    Address:
    Phone: FAX: E-Mail:
    Plan Sponsor Name:
    Customer Service Number:
    E-Mail:
    Documents are located:

    Type of Plan:
    Account Balance:
    Company Name:
    Address:
    Phone: FAX: E-Mail:
    Plan Sponsor Name:
    Customer Service Number:
    E-Mail:
    Documents are located:

    Military Retirement Benefits:
    [http://www.militarybenefits.com]

    Unlike most retirement plans, the Armed Forces offer a pension (technically a “reduced compensation for reduced services”) with benefits that start the day of retirement. Many veterans of wartime service are completely unaware of the fact that if they are 65 or older and on a limited income they may qualify for a Veterans Disability Pension or a Veterans Pension without being disabled.

    Do you have a copy of your DD-214 Form attached in your Folder?
    Do you have a copy of your Birth Certificate attached in your Folder?
    Do you have an authenticated copy of your Divorce(s) attached in your Folder?

    Monthly Pension Benefit Amount:

    Electronically Deposited?  Yes  No
    Name of Bank/Account Number:
    Benefits Contact Number:
    Contact Name:
    Local Benefits Office Address:
    Phone: FAX: E-Mail:

    Military OneSource is the Department of Defense’s comprehensive resource to help today’s military families face life’s everyday challenges. Military OneSource also offers free assistance to troops and their families 24 Hours a day, 7 days a week at 1-800-342-9647.

    Military Survivor Benefits:

    When a military retiree dies, their retirement pay stops. This means that the surviving spouse will be left without a substantial income source. If you are a retiree, you need to give serious thought to how you can protect your spouse from the hardships caused by the loss of your retirement pay. One option available is the Survivor Benefit Plan (SBP). The SBP is an insurance plan that helps pay surviving spouses a monthly payment (annuity) to help make up for the loss of retirement income.

    Do you have a Survivor Benefit Plan?  Yes  No
    Monthly Benefit Amount:
    Benefits Contact Number:
    Contact Name:
    Local Benefits Office Address:
    Phone: FAX: E-Mail:

    Stock Options/Stock Purchase Plans/stocks:
    (Source: The National Center for Employee Ownerships:
    http://www.nceo.org/library/how_to_choose.html)

    A stock option gives the recipient (the “optionee”) the right to buy a certain number of shares in the granting company at a fixed price for a certain number of years. Stock options are used both in private companies and public companies.

    A related type of plan is the employee stock purchase plan (ESPP), which is used mainly in public companies. An ESPP is a little like a stock option plan. It gives employees the chance to buy stock, usually through payroll deductions, over a 2- to 27-month “offering period.” The price is usually discounted up to 15% from the market price.

    Stocks are shares in the ownership of a company issued to raise capital, also known as equities. As we all know, stock prices rise and fall.

    Stock Options:

    Number of Options:
    Company Name:
    Grant Date:
    Exercise Price:
    Expiration Date:
    Exercise Period:
    Customer Service Number:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Number of Options:
    Company Name:
    Grant Date:
    Exercise Price:
    Expiration Date:
    Exercise Period:
    Customer Service Number:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Stock Purchase Plans/Stocks:

    Number of Shares:
    Name of Corporation:
    Share Price:
    Name of Shareholder:
    One-Time Purchase/Stock Purchase Plan:
    Payment Interval:
    Bank/Account Number
    Customer Service/ Stock Broker Number:
    Broker Name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Number of Shares:
    Name of Corporation:
    Share Price:
    Name of Shareholder:
    One-Time Purchase/Stock Purchase Plan:
    Payment Interval:
    Bank/Account Number
    Customer Service/ Stock Broker Number:
    Broker Name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Bonds:
    A bond is issued by the government or a corporation to raise capital, and generally pays a fixed rate for a specific amount of time (until it reaches maturity). Bonds are generally less volatile than stocks, but generally don’t yield as high a return over the long term. Among the types of bonds you can choose from are: U.S. government securities, municipal bonds, corporate bonds, mortgage and asset-backed securities, federal agency securities and foreign government bonds. You can buy individual bonds, bond funds or unit investment trusts.

    Amount of Bond: Issuer:
    Type of Bond:
    Address:
    Phone: FAX: E-Mail:
    Maturity Date:
    Customer Service/Stock Broker Number:
    Documents are Located:

    Amount of Bond: Issuer:
    Type of Bond:
    Address:
    Phone: FAX: E-Mail:
    Maturity Date:
    Customer Service/Stock Broker Number:
    Documents are Located:

    Money Market Accounts:

    Money Market accounts invest in short-term, low-risk/low-return securities, such as certificates of deposit (CDs) [CDs are generally FDIC-insured up to $100,000].

    Account Balance:
    Company/Bank Name:
    Contact Person:
    Address:
    Phone: FAX: E-Mail:
    Account Number:
    Customer Service Number:
    Documents are Located:

    Account Balance:
    Company/Bank Name:
    Contact Person:
    Address:
    Phone: FAX: E-Mail:
    Account Number:
    Customer Service Number:
    Documents are Located:

    Mutual Funds:

    Mutual funds are investment companies that pool money from many people and invest it in stocks, bonds or other assets. The combined holdings of stocks, bonds or other assets that funds own are known as portfolios. Each investor in the fund owns shares, which represent a part of these holdings. Mutual funds can be made up of any of the above investment classes, singly or in combination.

    Fund Name:
    Investment Amount/Amount of Shares:
    Company/Investment Firm Name:
    Address:
    Phone: FAX: E-Mail:
    Account Number:
    Customer Service/Stock Broker Number:
    Broker Name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Fund Name:
    Investment Amount/Amount of Shares:
    Company/Investment Firm Name:
    Address:
    Phone: FAX: E-Mail:
    Account Number:
    Customer Service/Stock Broker Number:
    Broker Name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Real Estate/Property Owned:
    You may own different types of real estate, including residential (your main or second home), commercial, industrial or agriculture property. Keep in mind rental/ Investment properties, time shares, automobiles, motorcycles and boats as you complete this section.

    Type of Property:
    Parcel Number:
    Owner:
    Address:
    City, State, zip:
    Name of Broker (if any):
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Type of Property:
    Parcel Number:
    Owner:
    Address:
    City, State, zip:
    Name of Broker (if any):
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Type of Property:
    Owner:
    Parcel Number:
    Address:
    City, State, zip:
    Name of Broker (if any):
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Frequent Flyer Miles:
    I have the following Frequent Flyer miles:
    Airline Frequent Flyer # Total Miles

    Read the promotional material and any membership information from the airline. Policies regarding transferability of frequent flyer miles vary.

    Money Owed:
    Money is Owed to Us By:
    Name:
    Address:
    Phone: FAX: E-Mail:
    Amount:
    This Loan is in a signed Writing:  Yes  No
    Documents are Located:

    Money is Owed to Us By:
    Name:
    Address:
    Phone: FAX: E-Mail:
    Amount:
    This Loan is in a signed Writing:  Yes  No
    Documents are Located:

    Money is Owed to Us By:
    Name:
    Address:
    Phone: FAX: E-Mail:
    Amount:
    This Loan is in a signed Writing:  Yes  No
    Documents are Located:

    Loans Forgiven:
    I want the following loan(s) forgiven at the time of my death (Note: your will or the promissory note should be changed to reflect this forgiveness and make it legally enforceable):

    _________________________________________________________________________
    _________________________________________________________________________

    I want the following loan(s) to be forgiven as a part of the bequest I am leaving to the borrower at the time of my death (i.e. The debt will be one of the assets used to satisfy my bequest to such heir in my will, wut will not increase their inheritance):

    _________________________________________________________________________
    _________________________________________________________________________

    Lawsuits:

    I am  am not  currently a plaintiff or defendant in a lawsuit.

    Explanation:

    Case Number:
    Court where Filed:
    Status of Case:

    Contact Information for Attorney Handling Suit:

    Name:
    Address:
    Phone: FAX: E-Mail:
    Amount:
    Documents are Located:

    Deposits:

    I have  have not  made any substantial deposits on certain accounts.
    If applicable, the accounts are:

    _________________________________________________________________________
    _________________________________________________________________________

    Loaned and Stored Assets:
    I have assets stored at the following locations:
    _________________________________________________________________________
    _________________________________________________________________________

    The key to the lock on the storage Unit No. _______ at the facility is at:
    _________________________________________________________________________

    I have loaned the following personal property (furniture, art, jewelry, heirlooms, photographs, collectibles, etc.):

    Objects Persons Holding Them

    _________________________________________________________________________
    _________________________________________________________________________
    (If the loan of the assets are subject to a written agreement, I have attached a copy to this Family Love Letter.)

    Other Assets:
    If you have any significant assets which are not described above, complete this section.
    Asset:
    Contact:
    Phone:
    Documents are Located:

    Asset:
    Contact:
    Phone:
    Documents are Located:

    Asset:
    Contact:
    Phone:
    Documents are Located:

    My Liabilities:
    Here is a list of all our liabilities, including mortgages, loans (i.e., home equity loans or lines of credit), leases, liens, borrowed items, etc. I have listed a contact person and telephone number for each item, as well as the location of any documents.

    Mortgage Company: Mortgage No:
    Amount Owed/ Type of Mortgage:
    Collateral:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Mortgage Company: Mortgage No:
    Amount Owed/ Type of Mortgage:
    Collateral:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Loan Company: Loan/Mortgage No:
    Amount Owed/ Type of Mortgage/Loan:
    Collateral:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Borrowed Item:
    Owner:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Items are Located:

    Additional Liability:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Do you have something in place (i.e., life insurance, etc.) to cover the debt listed here?
     Yes  No
    Description:

    I am also a guarantor of the following debt:
    Liability:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Liability:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    Do you have ongoing personal financial obligations that you want maintained? Perhaps you pay certain expenses for a parent, or contribute to an education fund for a grandchild. Be sure to note how these obligations are paid (i.e., automatic checking withdrawal, credit card, etc.) so payments are not interrupted due to account closings.

    Type of Obligation:

    Amount Paid:
    Payment Method:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:
    Type of Obligation:

    Amount Paid:
    Payment Method:
    Contact name:
    Address:
    Phone: FAX: E-Mail:
    Documents are Located:

    I presently carry the following credit cards (liability):

    Credit Card Account Payment Amount Web Log-in Password Life or Credit
    Number Method Owed Address Protection?

    As Long as a card isn’t maxed out, your spouse can have a source of funds for emergencies while waiting for insurance proceeds.

    Do you have something in place (life insurance, etc.) to cover the debts listed here?

    Describe:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    I lease the following assets:

    Asset Payment Lessor Phone Number

    Do you have something in place (life insurance, etc.) to cover the debts listed here? Describe:
    _________________________________________________________________________
    _________________________________________________________________________

    With regard to my assets and liabilities, the following is additional information which I think is important for my family and advisors to know:

    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    SECTION TWO – INSURANCE & BENEFITS:
    MY INSURANCE COVERAGE:

    Please make sure the premiums on these policies continue to be paid if I become disabled.
    I have the following life insurance policies (including company owned) on my life:

    Type Owner Beneficiary Face Value Loans Cash Value

    Carrier Policy # Premium Payment
    Interval Automatic
    Withdrawal
    Bank Additional
    Riders

    Type Owner Beneficiary Face Value Loans Cash Value

    Carrier Policy # Premium Payment
    Interval Automatic
    Withdrawal
    Bank Additional
    Riders

    Type Owner Beneficiary Face Value Loans Cash Value

    Carrier Policy # Premium Payment
    Interval Automatic
    Withdrawal
    Bank Additional
    Riders

    These life insurance policies can be found at:

    I have ˆ have not ˆ attached a policy in-force statement for the above life insurance policies.

    If I am disabled, my life insurance policy allows ˆ does not allow ˆ for pre-payment of death benefits to support me.

    If I am disabled, my life insurance policy allows ˆ does not allow ˆ you to stop making premium payments.

    Note: Be sure important papers, policies and other documents are sealed in plastic to protect them in case of flooding.

    I have the following disability insurance policies:

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Yes ˆ No ˆ
    Yes ˆ No ˆ

    If I am disabled, my disability insurance policy allows ˆ does not allow ˆ you to stop making premium payments.

    I have the following long-term care insurance policies:

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Yes ˆ No ˆ
    Yes ˆ No ˆ

    I have the following health insurance policies:

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Yes ˆ No ˆ
    Yes ˆ No ˆ

    Please note that premiums may be paid on a monthly, quarterly, semiannual or annual basis.

    MEDICARE INSURANCE AND PRESCRIPTION DRUG COVERAGE:

    Medicare health care and prescription drug coverage is available through different plans, including:

    1. Original Medical Plan: This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare.

    2. Medicare Advantage Plans and other Medicare Health Plans: These plans, which include HMO’s, PPO’s and PFFS plans, may cover more services and have lower out of pocket costs than the Original Medicare Plan. However, in some plans, like HMO’s, who may only be able to see certain doctors or go to certain hospitals.

    3. Medicare Drug Plans: Medicare prescription drug coverage started January 1, 2006. You can get prescription drug coverage no matter how you get your Medicare health care.

    Do you have Medicare Insurance? Yes ˆ No ˆ

    Type of Medicare Insurance Part A ˆ Part B ˆ

    (Note: Some people have both plans.)

    Type of Medicare Plan:

    Policy Number:

    Documents/Medicare Card is Located:

    My Year-End Statement entitled: “Social Security Administration Retirement, Survivors and Disability Insurance Important Information” from:

    Western Program Service Center, P.O. Box 2000 Richmond, California 94802-1791, dated in early December of each year, with your “Claim Number” [SS# ] is Located in my folder:

    MEDIGAP INSURANCE:

    A Medigap policy is a health insurance policy sold by private insurance companies. They must follow federal and state laws. These laws protect you. The front of the Medigap policy must clearly identify it as “Medicare Supplement Insurance.”

    Do you have Medigap Insurance? Yes ˆ No ˆ
    Policy Number:
    Address:
    Phone Number:
    Documents Are Located:

    I have the following other policies:

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Auto Yes ˆ No ˆ
    Umbrella Yes ˆ No ˆ
    Home Yes ˆ No ˆ
    Personal
    Liability Yes ˆ No ˆ
    Boat Yes ˆ No ˆ
    Airplane Yes ˆ No ˆ
    Overhead
    Expenses Yes ˆ No ˆ
    Jewelry Yes ˆ No ˆ
    Term Life Yes ˆ No ˆ
    Whole Life Yes ˆ No ˆ
    Accidental Yes ˆ No ˆ
    Un-
    Employment Yes ˆ No ˆ

    If insurance premiums are paid automatically from my bank account, please make sure you do not close my account without making sure the premiums are still being paid.

    Please note that premiums may be paid on a monthly, quarterly, semiannual or annual basis.

    I am paying the premiums for the following insurance policies for others:

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Type of Insurance My Relation to This Person

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Type of Insurance My Relation to This Person

    Carrier Policy
    Located At Policy # Premium This Policy is Paid
    by the Business Payment
    Interval Automatic
    Withdrawal Bank
    Yes ˆ No ˆ
    Type of Insurance My Relation to This Person

    MY EMPLOYMENT BENEFITS:

    I have the following benefits where I work or worked (Briefly Describe):

    Retirement Plan(s): [See Section 1]:
    Military Retirement Benefits: [See Section 1]:
    Military Survivor Benefits: [See Section 1]:
    Life Insurance:
    Health Insurance:
    Long-Term Care Insurance:
    Voluntary Coverage: [For example: cancer, vision, dental, dismemberment, etc.]:

    Disability Insurance:
    Deferred Compensation:
    Stock Ownership: [See Section 1]:
    Stock Options: [See Section 1]:
    Cafeteria Plan:
    Flexible Spending Accounts:
    Other:

    I am ˆ am not ˆ entitled to military and/or governmental benefits. List the benefits:
    _________________________________________________________________________
    _________________________________________________________________________

    I have ˆ do not have ˆ a Veteran Administrative Advocate.
    Contact Information:
    Name:
    Phone Number:
    Location:
    Military Number:
    Do you have your DD-214 enclosed in your file?
    Have you filed your last wishes with the Veteran’s Administration Hospital?

    I am ˆ am not ˆ entitled to other benefits. List the Benefits:
    _________________________________________________________________________
    _________________________________________________________________________

    With regard to my insurance and employment benefits, the following is additional information which I think is important for my advisor to know:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    SECTION THREE – DOCUMENTS & OTHER INFORMATION
    MY DOCUMENTS
    I have executed each of the following documents and you can find them where noted:

    Document Date Signed Location Check if
    Not Applicable
    Living Will
    Living Trust [Revocable]
    Protects against Probate, not Liability
    Medical Directive
    General Power of Attorney
    Medical Power of Attorney
    HIPAA Power of Attorney
    Insurance Trust
    Charitable Trust
    Charitable Remainder Trust
    Minor’s Trust
    Common Law Trust [Irrevocable]
    Protects against Liability
    Custodial Account
    Organ Donation
    Children Adoption Papers
    Section 529 Education Plans
    Pre-Nupial Agreement
    Post-Nupial Agreement
    Divorce Decree or Settlement
    Marriage License
    Birth Certificates
    Automobile Title Papers
    Citizenship Papers
    Passport(s)
    Burial Agreement
    Burial Plot(s)
    Retirement Plan Beneficiary Designation
    Insurance Beneficiary Designation
    Military Discharge Papers (DD-214)
    Employment or Independent Contractor Contract
    Domestic Partnership
    Cohabitation Agreement

    Other:

    My important records can generally be found at: ˆ My home filing Cabinet, ˆ My safety deposit box, ˆ My home safe ˆ attorney’s office ˆ my accountant’s office, ˆ my financial planner’s office, ˆ other (List):
    _________________________________________________________________________

    Note: Be sure Important papers, policies and other documents are sealed in plastic to protect them in case of flooding.

    I have ˆ do not have ˆ a divorce decree which may require that certain payments be made after I am disabled or after my death.

    I may receive an inheritance from:
    _________________________________________________________________________

    The amount of the inheritance may be as much as $ __________________

    Upon my death, my heirs will ˆ will not ˆ receive a distribution or benefits from a trust. If yes, the trust instrument was created by: ___________________________________________
    The trust instrument can be found:
    _________________________________________________________________________

    I am ˆ am not ˆ currently the Trustee for a Trust. If I am a Trustee, the trust document is located at:
    _________________________________________________________________________

    I am ˆ am not ˆ a beneficiary of a trust. If I am a beneficiary, the trust document is located at:
    _________________________________________________________________________

    I am currently legal guardian for the following person(s): ____________________________
    Documents appointing me can be found at: ______________________________________
    My most recent personal and any business tax returns can be found at:

    I have ownership and/or buy-sell agreements for the following businesses in which I have an ownership:
    _________________________________________________________________________
    _________________________________________________________________________

    I have buy-out insurance for the following businesses:
    _________________________________________________________________________

    I have a buy-sell agreement for the following business:
    _________________________________________________________________________

    I currently am paying state and/or federal quarterly estimated taxes: Yes ˆ No ˆ

    I currently am paying quarterly payroll taxes: Yes ˆ No ˆ

    MY GENERAL INFORMATION

    I do ˆ do not ˆ have a safe deposit box.
    It can be found at:
    The key can be found:
    The following people have signature authority to open the box:
    _________________________________________________________________________
    _________________________________________________________________________

    I do ˆ do not ˆ have a personal safe.

    The Combination is: ______________________
    The safe can be found at: _____________________
    The password to my computer is: ____________________________________

    My email address is: ________________________________ Password: _______________
    Other passwords: ___________________________________________________________

    My internet account is with: __________________ Account Number: _____________
    Other important passwords include: __________________________________________

    Item, Program or Bank Access Name Password

    Other important information:

    My Social Security Number:
    My Spouse/Partner’s Social Security Number:
    My Driver’s License Number:
    My Spouse/Partner’s Driver’s License Number:
    My Medicare Number:
    My Spouse/Partner’s Medicare Number:
    My Passport Number:
    My Spouse/Partner’s Passport Number:
    My Passport can be found:
    My Spouse/Partner’s Passport can be found:
    My Spouse/Partner’s Number:

    I have provided the following for the education of my family in the following Manner:
    _________________________________________________________________________

    I am supporting a child/charity through _______________________________ organization.

    I have a special needs family member or friend whom I take care of:
    Name:
    Date of birth:
    SS#:
    Driver’s License No. (if available):
    Relationship:
    Nature of disability:
    Special services they receive:
    Primary physician & phone #:
    Is there a trust for such person? Yes ˆ No ˆ
    Trust documents are at:
    I have been appointed legal guardian for such person: Yes ˆ No ˆ
    I believe the following person should take over this responsibility:
    _________________________________________________________________________

    Please provide information on any accounts you handle for this person:
    _________________________________________________________________________

    I currently have the following pets:

    I ask that ___________________________________ take care of my pets and receive a debt of my estate the sum of $ ________ for taking care of such pets for the rest of their lives.

    In the event of my death, the following is additional information which I think is important for my family and advisors to know:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    With regard to my general information, the following is additional information which I think is important for my family and advisors to know:
    _________________________________________________________________________
    _________________________________________________________________________

    MY PERSONAL PROPERTY:

    List here important personal property you own and the names of those loved ones you would like to receive this property. Include belongings like furniture, jewelry, artwork, family heirlooms, photographs, etc. You may consider having these types of items appraised.

    Property
    Description Property
    Location Photo
    Included Name of person
    to Receive Phone
    Number E-Mail
    Address Market
    Value

    [Continued from previous page]:

    List here important personal property you own and the names of those loved ones you would like to receive this property. Include belongings like furniture, jewelry, artwork, family heirlooms, photographs, etc. You may consider having these types of items appraised.

    Property
    Description Property
    Location Photo
    Included Name of person
    to Receive Phone
    Number E-Mail
    Address Market
    Value

    IN THE EVENT OF MY INCAPACITY:

    I have appointed the following persons to act on my behalf if I become disabled:

    Power of attorney over my assets: 1st: _______________________________________
    2nd: ______________________________________

    Power of attorney for medical decisions: 1st: _______________________________________
    2nd: ______________________________________

    Guardian over my property: 1st: _______________________________________
    2nd: ______________________________________

    Guardian over my person: 1st: _______________________________________
    2nd: ______________________________________

    It is my desire that the persons having the above powers of attorney act on my behalf rather than a guardian being appointed, unless my family believes guardianship is necessary.

    In the event of my incapacity, I do ˆ do not ˆ want to be kept home as long as possible, taking into account the cost.

    In the event of my incapacity, the following is additional information which I think is important for my family and advisors to know:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    IN THE EVENT OF MY DEATH:

    I have the following final wishes:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    Funeral Home
    Location:
    Cemetery:
    Plot/Drawer #:

    I have ˆ have not ˆ prepaid my burial costs ˆ, for my burial plot ˆ, for my casket ˆ. Information can be found at:
    _________________________________________________________________________
    _________________________________________________________________________

    I have a deceased spouse ˆ parent ˆ child ˆ who is buried at:
    _________________________________________________________________________
    and I wish to be buried next to such person if I check here ˆ.

    I do ˆ do not ˆ want to be cremated.

    Crematory: _____________________________________________________
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Minister/Rabbi
    to perform service: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Pallbearers:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Special Requests:
    Obituary reading:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Tombstone engraving: _____________________________________________________
    _____________________________________________________

    Organs for donation: _____________________________________________________
    _____________________________________________________

    In lieu of flowers,
    Please ask for donations to: _______________________________________________

    Other Special requests:

    I would like the following person
    to give the eulogy at my service:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    I would like the following songs,
    music, poetry, etc., at my funeral: _______________________________________________
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    I would like the following people
    to attend my service:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    I would like the following people
    to NOT attend my service:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    I would like the following people
    to be contacted at my death:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    SECTION FOUR – FAMILY HISTORY & ETHICAL WILL
    MY FAMILY HISTORY:

    See my birth certificate, located at:

    I was born in _____________________________ on _______________, ____________
    City, State Month, Day Year
    My parents are/were: _____________________ and ______________________________
    Full Name Full Name
    My maternal grandparents are/were: ____________________ and _____________________
    Full Name Full Name
    My paternal grandparents are/were: ____________________ and _____________________
    Full Name Full Name
    My family tree is located at: ____________________________________________________

    I have the following brothers and sisters (including step and half-siblings):
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:

    My children are:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:

    My grandchildren are:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:
    Name: DOB:
    Address: Phone:

    ˆ I have no children:

    I was adopted and my birth mother and father are:
    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Name: _____________________________________________________
    Address: _____________________________________________________
    Phone Number: _____________________________________________________

    Information about my adoption or my children’s adoption can be found at:
    _________________________________________________________________________

    I have ˆ do not have ˆ detailed information on my family’s history. It is located at:
    _________________________________________________________________________

    I am a member of the following religious groups:
    _________________________________________________________________________

    I am a member of the following fraternal groups:
    _________________________________________________________________________

    Some important facts about my family history:
    _________________________________________________________________________

    Some important facts about my medical history (include blood type, allergies, medical conditions that may be hereditary, including cancer, heart disease, diabetes, etc.
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    MY ETHICAL WILL

    When I am gone, I hope my family will learn from my experiences:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    I believe that the most important things in life are:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    The most important thing I have done in my life is:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    It is my hope that my family will use its inheritance from me to accomplish the following goals in their lives:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    How I would like to be remembered:
    _________________________________________________________________________
    _________________________________________________________________________
    _________________________________________________________________________

    I have attached to this Family Love Letter my favorite quote ˆ poem ˆ story ˆ scripture ˆ.

    I have signed this Family Love Letter this ____________ day of ________________ 2_____.

    This document is not intended to replace or supersede my will or any other estate planning documents signed by me. However, it is my express desire that each heir, family member, Power Holder, Executor, Trustee and Guardian will use this Family Love Letter and the other documents signed by me in making any discretionary decisions for me and my family.

    Signature ______________________________________________________

    Print Name ______________________________________________________

    Copies of this document were delivered to:

    I have attached the following documents to my Family Love Letter:

    ˆ My current financial statement
    ˆ A copy of my current life insurance
    ˆ A policy in-force statement for my life insurance policies
    ˆ A personal property ownership list
    ˆ A personal property disposition list
    ˆ A more detailed ethical will
    ˆ Personal property agreements
    ˆ A copy of my birth certificate
    ˆ A copy of my DD-214
    ˆ An authenticated copy of my Divorce
    ˆ A copy of my Family Tree [Pedigree Chart]
    ˆ A
    ˆ A

    CAUTION: Identity theft has become a major problem in the United States. The Family Love Letter is purposely designed to provide your family and advisors as much information as possible about you and your personal and financial situation. It is also information which, in the wrong hands, could help someone steal your identity and/or your assets. We STRONGLY advise you to (1) Keep all copies of the Family Love Letter in a locked, Location which is only accessible by people you fully trust and (2) provide copies of the family Love Letter only to persons who you are confident can be trusted to maintain the secrecy of your information.

    Original Author: John J. Scroggin.
    Additional copies of the Original Love Letter can be obtained at http://WWW.AXAonline.com and http://www.scrogginlaw.com.

    Modified and enhanced by Bob Hanks on April 7, 2007.

    NOTES:

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  35. Ruth
    3 years ago

    Excellent thoughts here…of course one would want all of this to take with them especially if having to leave suddenly! Putting copies that are in a safe place that one can reach if the originals cannot be or are destroyed is vital in an emergency or to restart ones life!! AND to give a copy to a person that would take care of your affairs should something happen to you is totally an excellent thought also so that your family is not placed in an added bad spot trying to find all such items about you etc. Thank you so much as a reminder to do these things…I have thought of some of it but not all so much get busy and DO this!!!


  36. Jack Farnlacher
    3 years ago

    Dear Patriot Privacy,
    With your permission, I would like to include this list in our General Reference Database (GRD) which is a service database for users (right now, the general public). Your text will be keyword searchable and will be retained as a permanent part of our database. When you visit our website (thnc.org), you’ll learn about our efforts to educate and protect people regarding technology in their homes. This article is important, because it helps people understand organizational basics which can be expanded to include details important in their lives. As always, we cite our sources in every GRD entry. Thank you for considering my request.
    Jack Farnlacher, Executive Director
    The Home Network Center (THNC)
    jack@thnc.org
    (address and phone available on website)


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